INTEGRATED FILING — NBFC



General information about company

Scrip code 541988
NSE Symbol AAVAS
MSEI Symbol NOTLISTED
ISIN INE216P01012
Name of company Aavas Financiers Limited
Type of company Main Board
Class of security Equity
Date of start of financial year 01-04-2026
Date of end of financial year 31-03-2027
Date of board meeting when results were approved 21-07-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 14-07-2026
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited for the quarter ended Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Single segment
Description of single segment HFC-SI
Start date and time of board meeting 21-07-2026   15:41:00
End date and time of board meeting 21-07-2026   16:34:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
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Financial Results — NBFC

Amount in (Lakhs)

Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-04-2026 01-04-2026
B Date of end of reporting period 30-06-2026 30-06-2026
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Income
Revenue from operations
(i) Interest Income 61,647.41 61,647.41
(ii) Dividend Income 0.00 0.00
(iii) Rental Income 0.00 0.00
(iv) Fees and commission Income 2,556.36 2,556.36
(v) Net gain on fair value changes 716.08 716.08
(vi) Net gain on derecognition of financial instruments under amortised cost category 5,951.92 5,951.92
(vii) Sale of products (including Excise Duty) 0.00 0.00
(viii) Sale of services 0.00 0.00
(ix) Other revenue from operations
Total other revenue from operations
Total Revenue From Operations 70,871.77 70,871.77
Other income 37.80 37.80
Total income 70,909.57 70,909.57
2 Expenses
Cost of materials consumed 0.00 0.00
Purchases of stock-in-trade 0.00 0.00
Changes in inventories of finished goods, work-in-progress and stock-in-trade 0.00 0.00
Employee benefit expense 12,169.88 12,169.88
Finance costs 29,263.48 29,263.48
Depreciation, depletion and amortisation expense 1,105.01 1,105.01
Fees and commission expense 257.20 257.20
Net loss on fair value changes 0.00 0.00
Net loss on derecognition of financial instruments under amortised cost category 0.00 0.00
Impairment on financial instruments 1,279.81 1,279.81
(f) Other expenses
1 Other expenses 4,823.79 4,823.79
Total other expenses 4,823.79 4,823.79
Total expenses 48,899.17 48,899.17
3 Total profit before exceptional items and tax 22,010.40 22,010.40
4 Exceptional items 0.00 0.00
5 Total profit before tax 22,010.40 22,010.40
7 Tax expense
8 Current tax 4,737.73 4,737.73
9 Deferred tax 145.86 145.86
10 Total tax expenses 4,883.59 4,883.59
11 Net Profit Loss for the period from continuing operations 17,126.81 17,126.81
12 Profit (loss) from discontinued operations before tax 0.00 0.00
13 Tax expense of discontinued operations 0.00 0.00
17 Net profit (loss) from discontinued operation after tax 0.00 0.00
14 Share of profit (loss) of associates and joint ventures accounted for using equity method 0.00 0.00
15 Total profit (loss) for period 17,126.81 17,126.81
16 Other comprehensive income net of taxes 0.00 0.00
17 Total Comprehensive Income for the period 17,126.81 17,126.81
18 Total profit or loss, attributable to
Profit or loss, attributable to owners of parent
Total profit or loss, attributable to non-controlling interests
19 Total Comprehensive income for the period attributable to
Comprehensive income for the period attributable to owners of parent
Total comprehensive income for the period attributable to owners of parent non-controlling interests
20 Details of equity share capital
Paid-up equity share capital 7,928.78 7,928.78
Face value of equity share capital 10 10
21 Reserves excluding revaluation reserve
22 Earnings per share
i Earnings per equity share for continuing operations
Basic earnings per share from continuing operations 21.6 21.6
Diluted earnings per share from continuing operations 21.51 21.51
ii Earnings per equity share for discontinued operations
Basic earnings per share from discontinued operations 0 0
Diluted earnings per share from discontinued operations 0 0
ii Earnings per equity share
Basic earnings per share 21.6 21.6
Diluted earnings per share 21.51 21.51
23 Debt equity ratio 3.0600 3.0600
24 Debt service coverage ratio
25 Interest service coverage ratio
26 Disclosure of notes on financial results Textual Information(1)


Remarks

23 Debt equity ratio Debt is 1597558.53 Lakhs where as equity is 521955.75 as on June 26
24 Debt service coverage ratio
25 Interest service coverage ratio


Text Block

Textual Information(1) 1. The financial results have been prepared in accordance with applicable Indian accounting standards prescribed under section 133 of Companies Act, 2013 read with (Indian Accounting Standard) Rules, 2015 (Ind AS), as amended and other accounting principles generally accepted in India along with the circulars, guidelines and directions issued by Reserve Bank of India (RBI) and the National Housing Bank (NHB) from time to time and in compliance with Regulation 33 and 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (the “Listing Regulations”). 2. The above financial results have been reviewed and recommended by the Audit Committee and approved by the Board of Directors at its meeting held on July 21, 2026 and subject to limited review by the joint statutory auditors of the Company. 3. The figures for the quarter ended March 31, 2026 represent balancing figures between audited figures for the year ended March 31, 2026 and year to date figures upto December 31, 2025 which were subjected to limited review by joint statutory auditors of the Company . 4. During the quarter ended June 30, 2026, the Company has allotted 5,039 equity shares to eligible employees under Performance stock Option Plan at a price of INR 10.00 per equity share. 5. Disclosures pursuant to Reserve Bank of India (Non-Banking Financial Companies - Transfer and Distribution of Credit Risk) Directions, 2025 and Reserve Bank of India (Non-Banking Financial Companies — Financial Statements: Presentation and Disclosures) Directions, 2025 dated 28 November 2025: (a) Details of transfer through assignment in respect of loans not in default during the quarter ended June 30, 2026. (b) Details of transfer through Co-lending in respect of loans not in default during the quarter ended June 30, 2026. (c) The Company has not transferred or acquired, any stressed loans during the quarter ended June 30, 2026. (d) The Company has not acquired, any loans not in default during the quarter ended June 30, 2026. 6. Disclosure in compliance with Regulation 52(4) of the SEBI (Listing Obligation and Disclosure Requirements) Regulation, 2015 for the quarter ended June 30, 2026 is attached as Annexure A. 7. The Company has maintained at-least 100% security cover on its secured listed non-convertible debentures (NCDs) as on June 30, 2026 (by creating exclusive charge on hypothecation of specific and identified book debts/receivables). The proceeds of the NCDs, utilised till the end of the reporting period, were used for the objects that were stated in the respective offer documents. 8. The Company is engaged primarily in the business of housing finance within india and there are no separate reportable segments as per Ind AS 108 dealing with Operating Segments. 9. The Company does not have any subsidiary/ associate/ joint venture company. Accordingly, consolidation of financial statement is not applicable. 10. Disclosure related to Project Finance for the quarter ended June 30, 2026 as per Reserve Bank of India (Non-Banking Financial Company - Financial Statements: Presentation and Disclosures) Directions, 2025 dated November 28, 2025, is given below: Nil 11. Figures for the previous year/periods have been regrouped and/or reclassified wherever considered necessary. The impact, if any, are not material to financial results.




Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results

Amount in (Lakhs)

Particulars 3 months/ 6 month ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-04-2026 01-04-2026
B Date of end of reporting period 30-06-2026 30-06-2026
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
Total Segment Revenue
Less: Inter segment revenue
Revenue from operations
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
Total Profit before tax
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income
Profit before tax
3 (Segment Asset - Segment Liabilities)
Segment Asset
Total Segment Asset
Un-allocable Assets
Net Segment Asset
4 Segment Liabilities
Segment Liabilities
Total Segment Liabilities
Un-allocable Liabilities
Net Segment Liabilities
Disclosure of notes on segments


Other Comprehensive Income

Amount in (Lakhs)

Particulars 3 months/ 6 month ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-04-2026 01-04-2026
B Date of end of reporting period 30-06-2026 30-06-2026
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
Other comprehensive income [Abstract]
1 Amount of items that will not be reclassified to profit and loss
Total Amount of items that will not be reclassified to profit and loss
2 Income tax relating to items that will not be reclassified to profit or loss
3 Amount of items that will be reclassified to profit and loss
Total Amount of items that will be reclassified to profit and loss
4 Income tax relating to items that will be reclassified to profit or loss
5 Total Other comprehensive income 0.00 0.00